The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,839
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$248/mo
Today · 4.125%
HK$8,330
baseline
▲ 0.50% · 4.625%
HK$8,837
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,660/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,720
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,954
−HK$238/mo
Today · 4.125%
HK$9,192
baseline
▲ 0.50% · 4.625%
HK$9,676
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,384/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,406
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,699
−HK$297/mo
Today · 4.125%
HK$9,996
baseline
▲ 0.50% · 4.625%
HK$10,604
+HK$608/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$19,992/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,464
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,745
−HK$285/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,611
+HK$581/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,060/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,974
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$347/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,324/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,209
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,536
−HK$332/mo
Today · 4.125%
HK$12,868
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$678/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,736/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,110
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$446/mo
Today · 4.125%
HK$14,994
baseline
▲ 0.50% · 4.625%
HK$15,907
+HK$913/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,988/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,697
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,118
−HK$427/mo
Today · 4.125%
HK$16,545
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$872/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,090/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).